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Buying a little piece of Middle England; Manifesting my way to mortgage free.

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  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I'm exhausted and we haven't started the plastering job yet. 🙃🙂
    It's taken DP way longer than it should have to fill in holes because as he was cutting bits to fit the channeled holes more was falling away 🤦🏻‍♀️. We got to a place where it stopped cracking and he's filled in three holes needs to do two more. Biggest one was giving us the most problem and that's done so surely must be quick from here 😂😂😂 haha yeh right..I've done too many DIY jobs to know it will take ten times longer than we ever hope. 

    I've scrubbed the entire ceiling clean and it's taken me all day. However within the next hour we are ready to start plastering and it will be a two man job I think. DP will roll the plaster on and I will smooth it. If my shoulder and neck play ball that is. I'm in a lot of pain with it. Which I know signifies I should stop but I'd honestly rather crack on and do it all now than have it hanging over us to do all week. 
    Holes in the walls are all filled too ready for the kitchen.
    I'm having a tea break. And couldn't believe the time when I picked my phone up 🙈 I've dosed up on painkillers and am going to crack on as I want it done now. 
    Nowhere near a NSD however we got around £8 something in cashback from jam donut app. I've reached payout threshold finally. 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Last push ….
    Keep your fluids up, keep eating anything that comes to hand and DEFINITELY have a looooong soak in the bath when you’re done! 😊
    Willing you on. 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Bananabreadyum
    Bananabreadyum Posts: 23 Forumite
    10 Posts Photogenic
    Fingers crossed you can get it done, what a relief it will be. 
    Agree with kk, get the paint stuff out of the bath so you can have a good long soak in it x
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Morning! I am up bright and early - no idea why as I was shattered when I went to bed finally at 11 🙈😂. So we started skimming the ceiling at around 5:20 and we were slow to get going but we eventually got into a good groove of DP with one ladder slapping the plaster on the ceiling in squares and I followed behind spreading and smoothing. It doesn't look too bad and we got the ceiling done in about two hours or so not bad for non professionals 🤣. So this weekend we managed to paint the 4x6 extension twice over including pitched roof, and strip the 4x4 room of ceiling paper, clean it, fill holes and skim it as well as removing three more kitchen cupboards and some work surfaces so we could put the fridge into the kitchen out of the flooring guys way. I think we worked really hard and I'm really proud of us 😁 DP work well together as a team. I shouldn't have, but I couldn't help remembering a time when ex and I were skimming something - I think a living room wall, bejesis it ended in tears and screaming and things being thrown 🙃🤣. And I thought this is much better - even though I was tired and grumpy and sore as was DP we motored through it.
    We had a takeaway like heck was I cooking what I'd planned.

    All that's left to do is lightly sand the ceiling in places (as mentioned we're not professionals so it's not absolutely perfect but I think I did a good enough job of smoothing) and paint it white along with the coving. Those two rooms are then all prepped and ready to go 😁👏🏻. 

    The old kitchen is coming out slowly too we have barely anything left in there three very small work surfaces and sink, cooker and maybe four cupboards. I hope the other one turns up on time now 🙈 the current kitchen has now spread to ds room also. Who knew I had that much stuff hiding 🙈.

    Plans for today- reading. Maybe some TV. Maybe a snack run. Nothing.
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • KajiKita
    KajiKita Posts: 7,754 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 11 August at 6:55AM
    Well done!!! 👏😊

    Yes, today needs to be a day of rest, apart from possibly a gentle walk or some light pottering in the garden to avoid seizing up completely … 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Well done team dfw123, sounds like you have done an amazing job on the kitchen. 
  • skint_spice
    skint_spice Posts: 13,428 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on getting the ceiling sorted, must be a relief.
    Mortgage OP 2025 £6250/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,210


    Money making challenge £38/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Bananabreadyum
    Bananabreadyum Posts: 23 Forumite
    10 Posts Photogenic
    Yey well done! So good you can work so well as a team. That makes all the difference.
    Rest now and enjoy your day, should be a good day weather wise, maybe you can sit out and enjoy the garden a bit 👍
  • daisy_1571
    daisy_1571 Posts: 2,122 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Oh well done, sometimes (if you just physically can) its better to just get it done even when you are knackered and. Thats. It. Done.  But its really hard to keep going and not make time consuming mistakes when you are at that stage so really well done, you are almost there 

    Dx 
    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,431 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Oh oh oh! Guess what!!
    I was up at stupid o'clock and I had gone on the dvsa site by 6.10 well I was in a queue of 23,000 people for a driving test 🤣 and I thought nah I'll close that. So I did. Well at 8 ish I opened up my internet again and it said I was in! I'd forgotten about it....well I only managed to get her a test early next year woo! And at the local one! So now we need to get her test ready or else we'll have to move it (I am hoping that's not the process for moving an already booked test!) 

    Today I've already swept the floor and moved the fridge (again! We are going to break it at the rate we keep moving it) and I'm sat with noise cancelling headphones (as flooring is so noisy) watching a movie. 

    I'm super tired today so I don't think I'll be moving very much 🙈😆.


    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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